ArcturaBY NEURFLOW
SuomeksiGet a sample ratingStart a pilot
Solutions · Lessors & captives

Your residual
just got a rating.

Autovista24 projects up to €92Bin BEV remarketing risk across ~5M used vehicles in Europe by 2030 — a residual cliff that lands on the lessor’s balance sheet. From 18 February 2027 the EU Battery Passport becomes mandatory under EU Regulation 2023/1542, issued by the economic operator that places the battery on the market — not by Arctura. What Arctura provides is an A–F battery-health rating and its own attestation (battery-passport-ready) that can travel with each asset at resale.

Start a pilotSee a sample rating →
RATING ACTION — SAMPLE
Captive lease book
C-segment EV · DEMO-4471
A−
Total Asset Score
Battery HealthA−
Usage & BehaviourB+
Market & ContractA−
Compliance PostureA
REEF SYNTHETICsample · illustrative · outlook stable
The residual cliff

What sits on the lessor’s balance sheet.

Macro risk
€92B
BEV remarketing risk by 2030 — Autovista24 projection (~5M used vehicles). Industry estimate.
Per-vehicle uplift
~€450
Potential resale uplift per certified vehicle — industry estimate (Autovista24/Schwacke, C-segment). Not Arctura-validated.
Buyer premium
€550–1,100
Estimated premium paid for a certified EV (Business Car remarketing analysis).
Passport mandatory
18.2.2027
EU Battery Passport in force under EU Regulation 2023/1542 — issued by the economic operator, not Arctura.

The exposure.

  • Autovista24 puts EU-wide BEV remarketing risk near €92B by 2030 across ~5M used vehicles — an industry projection. The captive sits on the exposure curve.
  • For a portfolio of, say, 10,000 vehicles, that is up to 10,000 resale moments — and at each one, Arctura’s independent A–F rating attestation (battery-passport-ready, not the regulatory passport itself, which the OEM or asset owner issues) can travel with the asset.
  • Used BEVs currently take the longest to sell (Autovista24 2026 RV webinar) — active price management is needed and regional RV gaps are widening.
  • Where a P&C underwriter prices asset-level battery risk, a documented A–F rating can support the case for better terms — but the insurer here is a recognition/channel counterparty, not a buyer of the feed.

What a certified EV is worth.

  • Autovista24/Schwacke estimate that battery-health certification recovers approximately €450 per vehicle at resale (C-segment reference) — an industry estimate, not an Arctura-produced figure.
  • Buyers pay an estimated €550–1,100 more for a certified EV (Business Car remarketing analysis).
  • OBD-2 is used by some providers as a basis for battery State-of-Health certificates (e.g. TÜV Rheinland); Arctura’s OBD-CSV ingest reads the same data format.
  • Major truck OEMs already price BEV financing through Rental / PPU / Vehicle-as-a-Service — a per-asset rating feed is designed to support usage-based pricing models.

Illustrative arithmetic, not a measured or delivered result: applying Autovista24’s ≈€450 C-segment resale-uplift estimate per certified vehicle across a projected ~5M used-BEV pool (Autovista24, by 2030) gives an order-of-magnitude ceiling of ≈€2.3B in potential sector-wide resale uplift — a figure Arctura has neither produced nor delivered.

Rating subscription + per-event certificate — see /pricing →
Into your residual-pricing model

What ships — and the honest cost math.

What we deliver.

  • A continuous 4-pillar A–F rating per asset, refreshable monthly, delivered as signed JSON into your residual-pricing pipeline.
  • An attestation at every resale event — a battery-passport-ready A–F rating record (machine-readable + PDF). Arctura issues its own rating attestation (DHC/BEHC); it does not issue the regulatory Battery Passport, which the OEM or asset owner issues.
  • OBD-CSV ingest reads the same data format used for OBD-2 SoH certificates (e.g. TÜV Rheinland) — no proprietary connector.
  • 6 config-driven adapters feed the live decision pipe (of 9 in the codebase): OEM REST, BESS, MQTT, Odoo and file-upload, plus a telematics-poll adapter that reads common provider formats (Wialon, Samsara, Flespi, SignalK, Tesla, OEM REST). Heavy-transport J1939 and OBD-CSV run as sandbox / dog-food adapters.
  • Continuity clauses: source-code escrow option on the Strategic tier; 30-day data-export + 90-day engine-fallback standard.

Honest continuous-vs-one-shot math.

  • One-shot snapshot alternatives bill once, at resale only.
  • Continuous rating bills per vehicle per month across the lease term — see /pricing.
  • Continuous is more expensive per vehicle. We do not claim a price advantage.
  • What continuous delivers that a one-shot snapshot cannot: an audit-ready DPP audit trail (the directive explicitly requires it), a sub-month risk signal for early write-off triggers, and cycle-level data that insurers can treat as a risk-reducing measure and reward with better terms as battery risk moves onto their radar.
  • For multi-million-euro residual exposure, the audit trail is the line item that matters.
Objection handlers · verbatim

Three things lessors actually ask.

“Our credit committee won’t accept a black-box rating.”

Methodology, pillar definitions and the score-mapping approach are in the DD pack, alongside a quarterly drift-and-fairness model card — the same split as an S&P or Moody’s rating. Accuracy/error metrics, pillar weights and the mapping-formula constants stay trade-secret; MRM audits the inputs and validation methodology, not the proprietary weighting.

“We already pay for telematics.”

Telematics is the input pipe; Arctura is the output rating. The data you already pay for currently never reaches your residual-pricing or write-off model. We turn the input you bought into the output your finance team needs.

“What if Arctura goes bankrupt?”

Source-code escrow on the Strategic tier; 30-day data-export + 90-day engine-fallback clauses standard. Existing attestations remain valid — the DPP record format is an open standard. A third-party validation engagement with an EU audit firm is on the roadmap (planned Y1), not yet in place.

Validation Packet

The form your audit team expects.

Your Model-Risk-Management function reviews the inputs and the validation methodology — not the proprietary weighting. It’s an approach modeled on how established rating agencies publish their methodology while keeping the underlying model weightings proprietary; Arctura is an A–F rating overlay, not an accredited credit-rating agency.

Public — in the DD pack
  • Methodology paper (pillars + score-mapping approach)
  • Four input pillars, audit-grade record
  • Quarterly model card (drift + fairness review)
  • Sub-processor list + data-flow diagram
  • DPP-tiered access (public / professional / regulator)
  • Source-code escrow option (Strategic tier)
  • 30-day data-export + 90-day engine-fallback clauses
  • Third-party validation engagement — roadmap, planned Y1 (not yet in place)
Trade-secret — never published
  • Pillar-weight blend
  • Score-mapping formula constants
  • Internal accuracy / error metrics
  • Cross-validation cohort splits
  • Drift-trigger threshold values

Same as a bond-rating agency does not publish its sovereign-rating weighting formula.

A rating layer for your residuals.

Six to eight weeks, one scoped sample of your book, one signed A–F rating attestation. Engine is in sandbox with no live customers today — a pilot is how we ground it on your assets.

Start a pilotSee a sample rating →
Primary buyer motion → grid storage (BESS)